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REMINDER: Christmas is in 301 days!

February 28th, 2008 at 08:01 pm

Just 301 days from now, we will be celebrating Christmas again.

How much are you going to spend on Christmas this year?

Will you pay cash for Christmas 2008, or will you finance it?

I highly recommend planning Christmas 2008 on paper! The

Text is Mini-Budget Form (Excel) and Link is http://www.josephsangl.com/wp-content/plugins/wp-downloadMonitor/download.php?id=3

Mini-Budget Form (Excel) is a great tool to use to plan your Christmas spending.

Here's an example of how to use the Mini-Budget for planning Christmas. I have entered the amount that we plan to spend on each item for Christmas. This helps me understand the amount needed for Christmas.



You can see that "Cash - Expenses" shows a RED $1,080. To make it GREEN, I enter $1,080 in the "Cash Budgeted" line.





I know that I have experienced sticker-shock when I have put together my initial mini-budget for Christmas! The great thing about planning ahead is that I still have the opportunity to change how much I will spend!

So, go ahead and plan for Christmas 2008. Yes, you will be weird. Yes, no one else in your family is doing it. BUT, you will have a plan and be able to pay CASH for this year's Christmas! How many of your friends and family will be able to say that?

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2 Responses to “REMINDER: Christmas is in 301 days!”

1. JanH Says:
   February 28th, 2008 at 09:28 pm 1204234132
   1204234132
   The last two Christmases, I've used a mini-budget and it sure makes a difference. The only problems I've experienced is reigning in my food expenses (year one) and travel expenses (year two). Plus, Hubby and I go overboard on each other. Sigh, this year we've promised to do much better!

2. Thrifty Ray Says:
   March 1st, 2008 at 03:23 am 1204341816
   1204341816
   Ive been saving a small amount out of the hubs weekly aycheck for years...the first year I saved for xmas, I never went back to financing it. I am very faithful, it automatically comes out of our check and goes into my ING account...throughout the year, good deals are no problem--the money is already saved to pay for it! Thanks for a great reminder that it is never to early to start!

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